Cheapest Car Insurance in Utah for 2026

Utah's full coverage average of $127/month shows several competing factors. Utah is a no-fault state, which increases costs due to mandatory PIP coverage, but Utah's $3,000 PIP minimum is among the lowest of no-fault states. 

Salt Lake City metro area growth has increased traffic density along the Wasatch Front corridor, raising accident frequency. Utah also has one of the youngest median ages in the U.S., and households in Utah drive more miles per capita than many other states, thereby increasing exposure to risk.

Hail is frequent along the Wasatch Front, particularly in Salt Lake, Davis and Utah counties, driving comprehensive claims. These factors combine to place Utah in the moderate cost tier rather than among the cheapest states. See the average cost of car insurance in Utah for a detailed cost breakdown.

The statewide gap between minimum and full coverage in Utah is $60/month ($720/year). Minimum coverage averages $67/month, full coverage averages $127/month. For GEICO, the gap is smaller: $45/month ($48 minimum vs. $93 full coverage). Utah's updated minimum (30/65/25 liability plus $3,000 PIP) includes first-party medical protection, but the $3,000 PIP limit is low.

A single emergency room visit can exceed it. The 30/65 bodily injury limits are moderate; the $25,000 property damage limit is reasonable for older vehicles but low for modern ones.

MoneyGeek's full coverage benchmark is 100/300/100, covering $100,000 per person bodily injury, $300,000 per accident, and $100,000 property damage, plus comprehensive and collision coverage with a $1,000 deductible. An accident causing $40,000 in medical costs for one person exceeds Utah's $30,000 per-person minimum by $10,000, leaving the driver personally responsible for the difference; the 100/300/100 benchmark covers the full amount.

Full coverage is required by lenders for financed or leased vehicles. See how much car insurance do I need and use the car insurance calculator for Utah to estimate coverage needs based on vehicle value and financial situation.

Auto-Owners is the cheapest for young adult standalone policies at $254/month, $16/month less than GEICO at $270/month. On family policies, the cheapest provider alternates between Progressive and GEICO across ages. The gender gap is small, at $30/month at age 16, narrowing to $2/month by ages 23 to 24 and zero at age 25. The same provider leads both genders at every age.

GEICO leads for seniors at $126/month, $33/month above its standard adult full coverage rate of $93/month, a certain senior surcharge. Auto-Owners is second at $130/month. The spread to the fifth-cheapest provider (Kemper at $171/month) is $45/month ($540/year), making comparison worthwhile for senior drivers. See the cheapest car insurance for seniors for national senior rate trends.

Auto-Owners is the cheapest after a speeding ticket in Utah at $119/month, with GEICO is tied at $122/month, just $3/month more. The spread to the fifth-cheapest provider (Nationwide at $152/month) is $33/month ($396/year). The rate increase from Auto Owners' clean-record rate ($94/month) to its speeding ticket rate ($119/month) is $25/month ($300/year), a 27% surcharge.

Auto-Owners is the lowest priced after an at-fault accident in Utah at $157/month, followed closely by GEICO at $162/month. The top five are notably clustered: Auto Owners ($157) through Allstate ($195) is only a $38/month spread, suggesting relatively uniform at-fault pricing across providers. The rate increase from Auto Owners' clean-record rate ($94/month) to its at-fault rate ($157/month) is $63/month ($756/year), a 67% surcharge. See high-risk car insurance in Utah for additional resources.

Progressive leads after a DUI in Utah at $130/month, with Kemper second at $161/month. UAIC appears at $165/month. UAIC is a specialty nonstandard insurer often positioned for higher-risk drivers who may have difficulty getting coverage elsewhere. Utah requires SR-22 filing after a DUI, which adds a small filing fee ( $15 to $50) on top of the policy premium. See SR-22 car insurance in Utah and car insurance after a DUI in Utah for detailed guidance.

Auto-Owners is the most affordable after a texting-while-driving violation in Utah at $94/month, the same as its clean-record rate, suggesting essentially no surcharge for this violation type. GEICO is second at $107/month. The spread to the fifth-cheapest provider (Nationwide at $152/month) is $58/month ($696/year).

Kemper is the cheapest for drivers with bad credit in Utah at $177/month, followed by UAIC at $198/month. UAIC is a specialty nonstandard insurer often positioned for higher-risk drivers. Utah allows credit-based insurance scoring to set initial policy rates, but state law prohibits insurers from using credit as the sole basis to increase rates at renewal. 

The gap between Kemper's bad-credit rate ($177/month) and GEICO's standard full coverage rate ($93/month) is $84/month ($1,008/year). See the low income car insurance in Utah for additional affordability resources.